Hi Thank you for your replies I definitely have had no contact with Shop Direct since 2002 So just to be sure, should I 1) return the Court's 'Acknowledgment of service' via Recorded Delivery Then 2) Send Arrow Global a Recorded Delivery letter stating I believe this debt to be Statute barred - and asking them to prove it if they believe otherwise? I am not sure if I should be returning any other parts of the Courts letter ie 'Defence and Counterclaim' ?

Hi I could do with some advice. Arrow Global have sent me County Court papers (Northampton) for an old Shop Direct debt. I got into debt with them during my divorce, and at the time managed to pay back over half the amount owed. Unfortunately I was unable to pay the rest, and owed them around £700. According to the County Court claim form - 'Shop Direct balance dated on or about Oct 10 2002 and assigned to the Claimant (Arrow Global) on May 10 2011' I haven't made any payments since 2002, and have had no contact - written or verbal since then. I have no other debt, but am not in a postition to pay this either. I spoke to someone who knows a little of legal matters, and he suggested I return the 'Acknowledgment Of Service' section of the Court papers to the Court. Then send Arrow a letter asking them to prove this debt isn't 'statute barred'. I wasn't sure if this advice was correct, and would appreciate some further guidance. Many thanks

Ok thankyou for your help, its much appreciated I will make sure in future not to allow myself to be 'conned ' in this way. Trouble is I am sure there are a lot of people like myself, who have fallen on hard times (hopefully temporarily) and now find themselves behind with their bills. Unfortunately companies like NDR are only to happy to take advantage of this situation. Anyway thanks again for your help, this forum is doing a great job in helping and informing !

Yes I did sign the agreement, and as far as I know, I have a copy at home. (at work atm) I think the amended LW agreement did state that just the arrears were to be paid on those terms - £40 per month, but no mention was made of my account being passed afterwards to a Debt Recovery Agency, for the remaining balance. As stated previously, I am quite certain I never agreed to pay £101 per month at any time - I wouldn't have as I know I can't afford it . many thanks

Hi I fell behind with my Littlewoods catalogue payments, so they sent me an amended agreement to pay them back the arrears at approximately £40 per month. I made these payments each month on time, until the arrears were cleared. Then I called Littlewoods to arrange to pay the original balance still owed, they said the matter was now with NDR debt recovery, and they couldn't speak to me anymore about the matter. I explained that I had kept to my end of the deal, and had cleared the arrears each month as requested, and asked why I couldn't continue to pay them an agreed regular amount directly to Littlewoods? They repeated that NDR were now the people I needed to speak to. On phoning NDR, they agreed to resume payments of £40 monthly - which I did by Credit Card by telephone. A few months ago, I phoned them to make that months payment, and they said they could no longer accept the £40 but instead I needed to pay £101 every 28 days - effective immediately, otherwise my credit rating would be further affected. They also said I had made this agreement with them by phone some months earlier. Now I know my memory isnt the best, but I am certain this conversation didn't happen. I am struggling to meet these £101 payments, due to my work hours being cut, I did explain this to NDR but they refused to accept any less. Am at my wits end now, I still owe around £1100 and really dont want to damage my credit rating any further. I want to pay them back asap, but am really struggling to do so at the rate 'agreed'. Is there anyway to negotiate with these people, and also avoid damaging my credit rating? Advice appreciated